How Much Does It Cost to Freeze Eggs? (Price Guide)

Egg freezing is billed in pieces, and the headline price for a cycle rarely covers everything. A typical bill includes the cycle itself (monitoring, stimulation, and the retrieval procedure), medications, and annual storage. Some people also pay for more than one cycle. Looking at each piece separately makes it easier to compare clinics.

The figures below are national estimates from published sources, not quotes. Clinic pricing is set by each practice, and your total can land outside these ranges.

The two ranges above do not overlap perfectly because they measure different things. The CNBC range reflects the cost of a cycle that may include medications, while the Healthline range is for the cycle with medications excluded. Differences may also come from the clinic's location, whether the quote includes consultation and testing, and whether anesthesia and facility fees are bundled in. When you compare quotes, check what each one includes before you compare totals.

Here is how the bill breaks down. Use it to see where a clinic's quote may be higher or lower than typical.

Medications are a large share of the total, and the amount depends on the protocol your doctor prescribes. Medication costs are often billed by a pharmacy and not by the clinic, so ask whether the quote you received includes them.

The three-cycle and five-year storage rows are a New York City example for a 38-year-old and reflect that city's pricing. They are not a national average, and they are not a prediction for your situation. Whether you would need one cycle or more is a medical question for a licensed fertility specialist.

After retrieval, frozen eggs are kept in storage, which is billed on a recurring basis.

Storage is an ongoing cost that adds up over years, so ask what the annual fee is, when it increases, and what happens if you stop paying. Some clinics offer multi-year prepayment, and some charge a separate initial freezing fee. Get the storage terms in writing.

Many health plans do not cover elective egg freezing, and coverage varies by plan and by state. Some plans cover it when it is related to a medical treatment such as chemotherapy, which is a different situation from elective freezing. Some employers offer fertility benefits that include egg freezing, and these may reimburse part of the cost or cover medications.

To find out what applies to you, call your insurer and ask these questions directly:

• Does my plan cover egg freezing, retrieval, medications, or storage?
• Is coverage limited to medical reasons?
• Do I need prior authorization?
• Which clinics are in network?

Also ask your employer's benefits team whether a fertility benefit is offered.

• Clinic and location: Prices differ across practices and cities.
• Medications: Dose and protocol change the cost, and these costs are often billed separately.
• Number of cycles: Each additional cycle repeats most of the cost.
• Testing and consultation: Initial bloodwork and imaging may be included or billed separately.
• Anesthesia and facility fees: Ask whether these are part of the quote.
• Storage length: Fees continue for as long as the eggs are stored.

Clinics commonly offer payment plans, and some work with financing companies or health-care credit cards. Read the terms: promotional interest periods can end, and deferred interest may apply to the full balance. You can also check whether a flexible spending account or health savings account can be used for the expense, and ask your plan administrator about eligible costs. Some clinics offer discounted packages for multiple cycles. Compare the total price rather than the monthly payment, and be careful of clinics that quote a price far below the typical range without itemizing it.

• What does the quoted cycle price include and exclude?
• What are the estimated medication costs, and who bills them?
• What is the annual storage fee, and when does it change?
• Are consultation, testing, anesthesia, and facility fees included?
• Do you offer packages for more than one cycle, and what are the refund terms?
• What happens to the stored eggs if I stop paying?